WESTMINSTER “THERE’S NO MONEY FOR CARE IN SEFTON” MEETING CONTRAVENES “NO MONEY IS NOT AN EXCUSE” HIGH COURT RULING.

SEFTON CARE ASSOCIATION

PRESS RELEASE

May 22, 2012.

WESTMINSTER “THERE’S NO MONEY FOR CARE IN SEFTON” MEETING CONTRAVENES “NO MONEY IS NOT AN EXCUSE” HIGH COURT RULING.

Sefton Care Association (SCA) has been told “there is no money” to pay for the shortfall and backdating of care fees frozen by Sefton Borough Council – in direct contravention of a High Court ruling that says “no money is not an excuse”.

Members of SCA met with Care Minister Paul Burstow, John Pugh MP, Sefton Borough Council Chief Executive Margaret Carney and other officials in Westminster, but before SCA could put its case, the “there’s no money” line was delivered.

“As soon as that was said we realised that not only was our meeting a waste of time, but also that the situation had not been properly researched,” said Dan Lingard of Sefton Care Association.

“As the meeting was conducted under Chatham House Rules, we can’t say who said there was no money – but it was said nevertheless.

“Sefton Council has already defied a High Court ruling and told care home owners and the borough’s vulnerable that it will be freezing care fees for both 2011/12 and 2012/13, a dispute which led to SCA committee members being invited to Westminster to discuss the issue.

“But it’s clear there was no intention of arriving at any sort of a conclusion in that meeting which would be of any benefit to people needing care, or care home owners and operators – especially when we were told ‘there’s no money’.

“But what people in the meeting seemed to have lost sight of is that the High Court ruling in November 2011 said that lack of resources is no excuse for not fulfilling care obligations.”

In paragraph 90 of the ruling, His Honour Judge Raynor QC, sitting as a judge of the High Court, quoted an earlier precedent and ruling: “In paragraph 46(2) of his judgment in the Forest Care Home case, Hickinbottom J stated: ‘In deciding whether a person is in need of care and accommodation, an authority is entitled to have regard to its own limited financial resources. However, having set that threshold and found that a particular person surpasses it, an authority is under an obligation to provide care and accommodation in fulfilment of its section 21 obligations (under the National Assistance 1948), which is a specific duty on the authority owed to an individual, not a target duty: lack of resources is no excuse for non-fulfilment of that obligation…’

“The Claimants (Sefton Care Association) submit that the evidence in this case shows that the decision to freeze fees was taken for budgetary reasons alone or at least to an improper extent, without there being any attempt to balance other factors against the need for financial savings.”

Dan Lingard said: “In other words, no money is not an excuse – care obligations must be fulfilled, and they are not being fulfilled by a freeze in care fees, which, given inflation and other factors, means that not only have care fees been frozen – they’ve actually fallen.”

Judge Raynor ruled that Sefton Council should not have frozen 2011/2012 payment levels to elderly people in care in the borough, and that it did not pay due regard to the actual cost of care in making its unilateral decision. He directed Sefton Council to enter into consultation with local care homes, and to reassess care payments for the 2011/2012 financial year – and establish the actual cost of care by which care fee rates could be set.

But Sefton Council not only ignored the February 9, 2012 deadline to respond, it has also said it will freeze care fees retrospectively, and for the 2012/13 financial year as well – meaning that care fees have been static despite the Retail Prices Index rising nearly 12% in the three years since care fees were last increased.

Ends

For further information:

Iain Macauley 07788 978800

im@pressrelations.co.uk

@SeftonCareAssn

SEFTON COUNCIL IGNORES HIGH COURT RULING – AND FREEZES CARE FEES FOR A THIRD YEAR

SEFTON CARE ASSOCIATION

PRESS RELEASE

May 8, 2012.

SEFTON COUNCIL IGNORES HIGH COURT RULING – AND FREEZES CARE FEES FOR A THIRD YEAR.

Sefton Council has defied a High Court ruling and told care home owners and the borough’s vulnerable that it will be freezing care fees for both 2011/12 and 2012/13.

Now Sefton Care Association says that as many as 50% of care homes in the borough may be forced to close, generating massive worry and uncertainty for the families of the area’s frail and vulnerable.

Senior council officers dropped the bombshell to care home owners despite a judge telling the local authority in November 2011 that it must make a decision on reassessment of care fees paid to the most vulnerable people by February 9, 2012.

In a Judicial Review in the High Court in Manchester, His Honour Judge Raynor QC ruled that Sefton Council should not have frozen 2011/2012 payment levels to elderly people in care in the borough, and that it did not pay due regard to the actual cost of care in making its unilateral decision. He directed Sefton Council to enter into consultation with local care homes, and to reassess care payments for the 2011/2012 financial year – and establish the actual cost of care by which care fee rates could be set.

But Sefton council says it will freeze care fees retrospectively, and for the 2012/13 financial year as well – meaning that care fees have been static despite the Retail Prices Index rising nearly 12% in the three years since care fees were last increased.

Sefton Care Association, which represents a large proportion of care homes in the borough, says the implications are massive – not just locally, but potentially nationally as a care-fee-freeze precedent has been effectively set, with local authorities likely to stump up the cost of more Judicial Reviews rather than find the cash to increase care fees. Legal bills for a Judicial Review are a fraction of the shortfall in care fees.

Council officers have also told care home owners that an independent report into the cost of care in Sefton, commissioned by Sefton Care Association and carried out by highly-respected research organisation Laing & Buisson, was “deficient” and that council officials “questioned the significance and reliability of the report”.

But Peter Moore of Sefton Council also then told care home owners that “the report provides more data than our own spread sheet did”.

However, Mark Gilbert of Sefton Care Association, said: “Laing & Buisson (L&B) is the foremost research organisation in the sector, recognised by all levels of government – up to and including ministerial level – as being a provider of accurate, independent and unbiased research.

“The key issues are not just the cost of care, but also homes gaining a reasonable return on capital investment so enabling essential maintenance and upgrading of property and equipment essential for the wellbeing of elderly residents.

“There’s a big gap between the cost of providing care and the level of funds Sefton Council currently allocates: families and those in care are struggling to afford the shortfall between Sefton’s current funding provision level, and the cost of care – care homes are doing everything in their power to bring costs down.

“L&B provided information for four categories of care home client support. Typically, nursing care for a frail older person – many of whom require 24/7 support – has, according to L&B, an actual weekly cost of £626, or £699 if we include a 13% return to cover the cost of maintenance and improvement of the care home. But Sefton Council’s currently frozen weekly care fee rate is £510. It is down to the individual client or their family to make up the difference; care home owners have reached a point where there is simply nothing else to cut.”

Ends

For further information:

Iain Macauley

07788 978800

im@pressrelations.co.uk

CARE CRISIS: SEFTON COUNCIL’S OPPORTUNITY OF 1,600 LIFETIMES

SEFTON CARE ASSOCIATION

PRESS RELEASE

January 31, 2012.

CARE CRISIS: SEFTON COUNCIL’S OPPORTUNITY OF 1,600 LIFETIMES.

Sefton Council has the opportunity of 1,600 lifetimes to be the first local authority in the country to properly assess and fund care for the most vulnerable members of society.

That’s the view of Sefton Care Association, which represents a large proportion of care homes in the borough, following a High Court ruling which directed the council to establish the actual cost of care for the elderly in the area.

The opportunity arises following a Judicial Review in the High Court in Manchester in November 2011 in which His Honour Judge Raynor QC ruled that Sefton Council - a typical middle-sized authority - should not have frozen 2011/2012 payment levels to 1,600 elderly people in care in the borough, and that it did not pay due regard to the actual cost of covering care in making its unilateral decision.

He then directed Sefton Council to reassess care payments for the 2011/2012 financial year – but Sefton Care Association sees an opportunity for the council to set a standard and precedent for the rest of the country’s social care budget-holding authorities, not just retrospectively, but also as budget-setting deadlines approach for 2012/2013.

“Those needing care have not had one single positive word of certainty on care and support for as far back as most of us can remember; this is an opportunity for one local authority to change the prioritisation of care provision forever, and get itself a place in history,” said Mark Gilbert, a member of the executive committee of Sefton Care Association.

“Sefton Care Association has brought in Laing and Buisson – a nationally recognised research organisation - which will provide an independent report into the cost of providing care in the borough, a move which the council has not resisted. The key issues are not solely the cost of care, but also homes gaining a reasonable return on capital investment so enabling essential maintenance and upgrading of property and equipment.

“Sefton families with elderly relatives in care, as well as carers and care home operators in the borough, have been appealing to local councillors to reverse the local authority’s stance on paying for care in the area. This is a great opportunity for funding to be assessed in a sensible fashion, and provided at a realistic level.”

Dan Lingard, chairman of Sefton Care Association, added: “There’s a big gap between the cost of providing care and the level of funds Sefton Council currently allocates: families and those in care are struggling to afford the shortfall between Sefton’s current funding provision level, and the cost of care – and the care homes are doing everything in their power to bring costs down. But they’ve reached a point where there is nothing else to cut.

“Sefton Council currently pays a maximum of £510 a week towards funding of nursing care for an individual, but the indications are that the actual cost is in the region of £600 a week. Currently, individuals – many with dementia - and their families have to fund that shortfall, which most would agree is not an acceptable state of affairs.”

Ends

For further information:

Iain Macauley

07788 978800

im@pressrelations.co.uk

@Press_Relations

CARERS RIGHTS DAY: WHEN WILL CARE REACH THE TOP OF THE GOVERNMENT’S AGENDA?

DR ROS ALTMANN

DIRECTOR-GENERAL, SAGA

QUOTES

December 1, 2011.

CARERS RIGHTS DAY: WHEN WILL CARE REACH THE TOP OF THE GOVERNMENT’S AGENDA?

Commenting ahead of Carers Rights Day on December 2, Dr Ros Altmann, Director-General of over-50s organisation Saga, said:

“Unless something passed me by, I don’t recall seeing or hearing anything in the Autumn Statement that would give clear and direct support for carers – and don’t forget carers are a group of people who provide a service and support that would otherwise cost the government, and the taxpayer, £80 billion a year.

“Some acknowledgment would be nice, some hope would have been inspirational, but some funding would have been better. The theme for Carers Rights Day 2011 is ‘Money Matters’ – and it does.

“The government appears to be working its way through the issues, youth unemployment, pensions and so on, so maybe carers are on the list for imminent attention – but one can’t help but think there’s a pervading degree of complacency amongst the directly-unaffected, because carers actually just get on with things with little or no fuss and few demands.

“In fact, so short have we been on action or news with regard to addressing the issue of care funding and support overall – with a yawning silence on matters relating to the recommendations of Andrew Dilnot for instance – that we have decided to shake things up ourselves by running a second thought leadership seminar before Christmas.

“There is a core group of us who are determined to make care a top-of-the-agenda item, and we will push and shove until it is.

“But in the current economic circumstances, a key and ironic point is that if the government did apply itself to a proper look at addressing the care crisis, then it would have a significant and positive impact on budget issues: sort out social care, give carers the support they need, free up NHS hospital beds, unburden healthcare professionals, create time – and save money.”

Ends

For further information:

Saga Press Office
01303 771529.

www.saga.co.uk

Iain Macauley
im@pressrelations.co.uk
07788 978800

HOME CARE CRISIS “AS BIG AS A CITY” ”: MORE SHAMEFUL AND SHOCKING EVIDENCE

DR ROS ALTMANN

@SagaRosAltmann

DIRECTOR-GENERAL, SAGA

PRESS RELEASE

November 23, 2011.

HOME CARE CRISIS “AS BIG AS A CITY” ”: MORE SHAMEFUL AND SHOCKING EVIDENCE SHOWS REAL IMPACT OF CARE CUTS.

RADICAL REFORM IS LONG OVERDUE

The government is failing to act to head off a home care crisis “as big as a city” despite constant and overwhelming evidence from an avalanche of reports.

The Equality and Human Rights Commission and Care Quality Commission have highlighted again the poor standards of social care suffered by many older people – primarily caused by huge, and growing, shortfalls in local authority care budgets.

“Of course, there is wonderful care out there, but as councils keep cutting care budgets, standards can only get worse: hardly a week goes by without another damning report into the treatment of the elderly and vulnerable in this country. But so far, nothing has actually been done to address the reality of the day-to-day indignities many older people endure,” said Dr Ros Altmann, Director-General of over-50s organisation Saga.

“Today's report, from the Equality and Human Rights Commission, says that 250,000 older people – the equivalent of the population of a city the size of Derby or Southampton - are receiving poor or very poor standards of home care including verbal and physical abuse, near-cursory 15-minute ‘task-ticking’ visits– there should be a statutory minimum way higher than that - and little or no help in eating and drinking.

“But as the EHRC points out, the figure may actually be higher because many more may well be too frightened to complain. What’s more, that’s just home care: one element of a social care system which is becoming deluged as we live longer lives.

“The government knows about these issues – how can they not, as they are continually presented with evidence of a care system in crisis? Predictable pre-packaged Ministerial responses expressing outrage and pledging action are not enough.

“Let me ask this: when was the last time we saw any decisive action – as opposed to talk?

“Of course, we welcome the CQC’s proposed home care inspection plans, as well as any move which will help improve the quality and consistency of care – and consequently the quality of life – for our older generations. But the CQC has stopped inspecting the local authority commissioners themselves. If we do not tackle the root cause of the problem - inadequate resources for care - how can we expect decent care?

“We need to properly fund our care system and revere it as much as we do the NHS. We need a consistent regulatory and monitoring system that promotes and encourages best practice, not inconsistent and unprepared knee-jerk responses.

“The question needs to be asked just who monitors the local authority commissioners? They are putting pressure on care providers to offer the lowest priced possible care - and it should be obvious that 15 minute visits make it impossible to deliver adequate care. How do we get health and homecare to work in tandem, and get people back in their own home where they want to be and where care is most cost effective?

“It is vital that we drive the retention of some excellent people who do a tremendous job - the vast silent majority who never get a mention in dispatches. We need to promote care as a career and a profession, and highlight the requirement for best practice, and applaud it where we see it.”

Ends

For further information:

Saga Press Office
01303 771529.

www.saga.co.uk

Iain Macauley
im@pressrelations.co.uk
07788 978800

SOUTHERN CROSS CLOSURE: KEEP EVERYONE INFORMED - AND RING-FENCE CARE SPEND, SAGA TELLS GOVERNMENT.

DR ROS ALTMANN
DIRECTOR-GENERAL, SAGA
PRESS RELEASE

July 11, 2011.

SOUTHERN CROSS CLOSURE: KEEP EVERYONE INFORMED - AND RING-FENCE CARE SPEND, SAGA TELLS GOVERNMENT.

Dr Ros Altmann, Director-General of over-50s group Saga, says the Southern Cross care homes closure maintains the pressure on Government to ring-fence spending on care provision, to keep residents and their families well informed of developments in a bid to drive certainty and reassurance – and to drive plans to enable people to benefit from receiving care in their own homes.

“This has become a fast-changing news story, so communication with those most affected – residents and their families – must be clear, consistent and frequent to avoid the uncertainty that plagued those affected in the early phases of the demise of Southern Cross,” said Dr Altmann.

“In June everybody involved resolved to deliver a decisive way forward for Southern Cross and its residents by the autumn of this year. There was a degree of certainty in that – although not enough, of course – and while we are pleased there is now some progress towards resolution, of paramount importance is that residents, their families and the staff need reassurance about the future level of care provided in the care homes being transferred to new owners or operators.

“The fundamental problem remains that Government has historically not put enough money into care; we say that a priority must be to enable more people to receive care in their own home. But local authority budgets are being cut, and they are not willing to pay enough to cover the costs of providing care of a quality that ensures dignity and decency to care home residents – or those wanting to stay in their own home - so in the case of care homes, individuals or families end up subsidising state-funded residents which is obviously not a sustainable situation.

“The £2billion that Government has supposedly given to local authorities for additional care funding is not ring-fenced for care, so it is not being spent on care - and councils are still cutting care budgets, not increasing them despite the growing demand and need for care. This is a problem across the whole care sector and needs to be addressed urgently.

“We have been looking at just one example, Worcestershire, where the local authority is willing to pay just £70 a day to cover full board, meals, accommodation and staff to look after residents. It doesn’t take a financial expert to appreciate this is simply not enough to cover costs, particularly as inflation has reached such high levels.

“The Southern Cross situation stresses the importance of driving through Andrew Dilnot’s recommendations – whether in current form or modified – which will help capacity and funding alleviate pressures throughout care provision.”

Ends

Further information:
Dr. Ros Altmann
Director-General, Saga
ros.altmann@saga.co.uk
www.saga.co.uk
07545 504513
Twitter @SagaRosAltmann

Iain Macauley

im@pressrelations.co.uk

07788 978800

EHRC HOME CARE STANDARDS AND DIGNITY REPORT: MORE EMBARRASSMENT FOR GOVERNMENT CARE PROVISION.

DR ROS ALTMANN
DIRECTOR-GENERAL, SAGA
PRESS RELEASE

June 16, 2011.

EHRC HOME CARE STANDARDS AND DIGNITY REPORT: MORE EMBARRASSMENT FOR GOVERNMENT CARE PROVISION.

Commenting on the findings of the inquiry by the Equality and Human Rights Commission (EHRC), Dr Ros Altmann, Director-General of Saga, the over-50s organisation, said:

“The EHRC report draws attention, once again, to the consequences of a lack of adequate funding for care in the UK. We have not taken care seriously enough in this country and it has not received the attention - or the money - that has been devoted to the NHS, even though a lack of adequate care can be just as harmful to people's lives as a lack of adequate health services.

“The view of millions of Saga customers - and of experts in the field - is that home care is a better and more cost-effective route to providing support and dignity to the elderly and most vulnerable than relying on a hospital stay, and much preferred to care homes.

“The vast majority of older people receive excellent care and value highly the care worker who cares for them. But money is time - and cuts mean visit duration and frequency are coming under pressure. If local authority budgets for care continue to be squeezed, the outcomes for older people will also be damaged.

“Cutting funding for care is a false economy: good, fully-funded, home care can prevent people needing urgent care in hospital or staying in hospital longer than necessary and would save huge amounts for the NHS.

“While the Health and Social Care Bill focuses mostly on the Health Service, we believe it is important to increase emphasis on the Social Care side of the debate.

“There is simply not enough money being set aside for care - event the £2billion that the Government said it would allocate to care has not been ring-fenced, so it may be diverted to other uses. There is a great variation across the UK in who qualifies for care, what level of care they qualify for – the extent and type of visit - and how much funding the local authority provides.

“It is vital that high standards - including training – are maintained. But the tremendous work carried out by carers and family carers needs to be recognised. They are under incredible time and emotional pressure – particularly those working to enforced local authority budgets and hence time allocations. Unless we allocate more resource, we fear further negative headlines - they could be avoided by a more joined-up approach to health and social care for vulnerable older people in our ageing society.”

Ends

Further information:
Dr. Ros Altmann
Director-General, Saga
ros.altmann@saga.co.uk
www.saga.co.uk
07545 504513
Twitter @SagaRosAltmann

Ros Altmann
Director General
Saga Group Ltd
Mobile: 07545 504 513
Web: www.saga.co.uk

THE MONSTER OVER THE HILL – THE CARE CRISIS LOOMS. DILNOT TO LEAD JUNE 7 DEBATE.

DR ROS ALTMANN
DIRECTOR-GENERAL, SAGA
PRESS RELEASE

June 6, 2011

THE MONSTER OVER THE HILL – THE CARE CRISIS LOOMS.

DILNOT TO LEAD SAGA'S SEMINAR IN SEARCH FOR SOLUTIONS.

Some of the most informed, visionary and influential people in social care will gather in London on Tuesday, June 7, 2011, in a bid to tackle the looming UK care crisis - the monster over the hill.

Andrew Dilnot, chairman of the Government’s Commission into Care Funding, will lead the debate at the Saga Care Crisis Seminar, which will be chaired by Dr Ros Altmann, Director-General of over-50s organisation Saga, and attended by a selection of the most senior care sector influencers.

“History is littered with ‘told-you-so’s’ – those of us who have a frontline appreciation of care issues are screaming that there’s a monster over the hill, but the policymakers either don’t see it, or are so dumbstruck by the magnitude of the threat that they’re frozen to the spot, and unable to respond or react,” said Dr Altmann.

“The care issue is invisible to many, but monstrous to those with direct care sector contact. The combined expertise and brainpower around that table on Tuesday knows that a care catastrophe is fast – and relentlessly – approaching.

“It is essential that we move on with reform of care funding – quickly and decisively - before we are overwhelmed. If we believed the pensions crisis was crippling, the care crisis has the potential to be far, far worse.  If someone does not have enough pension, they may be able to wait a bit.  But once someone needs critical care, they cannot wait at all.

“Very few people have earmarked any money for care needs. They just hope someone will look after them if the need arises. At least with pensions most people have done some saving, but, when it comes to care, there is no private provision - people just have to find the money at the time, and this can mean losing all their assets.

“The seminar will generate some definitive and do-able solutions, because, frankly, in the past, policymakers have come up with very little, have disguised petty political differences as insurmountable operational and organisational issues, and simply failed to make progress. Time is now running out in more ways than one.

“The crisis is creeping up on us. We must recognise the potential for the issue to overwhelm the system before it’s too late.”

Ends

Further information:

Dr. Ros Altmann
Director-General, Saga
ros.altmann@saga.co.uk
07545 504513
Twitter @SagaRosAltmann

Iain Macauley
im@pressrelations.co.uk
07788 978800
Twitter @Press_Relations

OECD CARE REPORT: A LOT GOING ON, BUT NOTHING ACTUALLY HAPPENING

DR ROS ALTMANN

DIRECTOR-GENERAL, SAGA

SAGA SOUNDBITE

May 23, 2011.

SAGA RESPONSE TO OECD CARE REPORT: A LOT GOING ON, BUT NOTHING ACTUALLY HAPPENING.

Commenting on the Organisation for Economic Cooperation and Development (OECD) report that says Britain faces one of the biggest elderly care bills in the industrialised world, the Dr Ros Altmann, Director-General of over-50s lifestyle group Saga, said:

“There are some big political and financial ‘told-you-so’s’ out there, but nobody wants care to be one of them.

“Saga deals with a sector of the population, the over-50s, which numbers 21 million people – many of whom are touched by the issue of later-life care, whether needing it or providing it. We work continuously with carers and the families of those who need care, and we have our finger firmly on the financial pulse of the country as it affects the elderly.

“We’ve been saying for years that there’s simply no money for care in later life. Families aren’t or can’t save for it, local authorities are slashing budgets for it, and so far as the government is concerned there seems to be an awful lot going on but nothing actually happening.

“Positive findings or recommendations from the Dilnot Commission into care funding cannot come soon enough.”

Ends

Further information:

Dr. Ros Altmann

Director-General, Saga

ros.altmann@saga.co.uk

07545 504513

Twitter @SagaRosAltmann

Iain Macauley

im@pressrelations.co.uk

07788 978800

Twitter @Press_Relations

CHICKENS FIRST IN AS PIONEERING SOUTHPORT DEMENTIA CARE HOME MOVE STARTS.

BIRCH ABBEY

DEMENTIA CARE SERVICE

PRESS RELEASE

June 29, 2010.

CHICKENS FIRST IN AS PIONEERING SOUTHPORT DEMENTIA CARE HOME MOVE STARTS.

Photos and video available.

The big move is on as Phase One of the UK’s most advanced dementia care facility, the iPersonally Memory Centre at Birch Abbey, Southport, is completed – and the first in on Wednesday, June 30, will be a brood of chickens (watch video).

The £5 million Alexandra Road care home – which will provide a service to the whole of Merseyside - features a range of facilities, up to 60 beds, and an approach to dementia care not previously seen in the UK.

The Birch Abbey team will start to move clients from the old building to the new purpose-built facility during the last week in June 2010, and once everybody has been installed the original building will be demolished and replaced by a second new structure, providing more beds, plus offices and admin.

“The first residents will actually be several chickens – they’re an important part of our community, and a clear illustration of the approach we’ll be taking at the new Birch Abbey and which was pioneered and developed at the original Birch Abbey,” said Dan Lingard, chief executive.

“We may have technology and facilities never before seen in a UK dementia care home, but it is the pioneering approach – acknowledged and documented across the care sector - that makes us truly different.

“Getting people with dementia using their minds and muscles – even in seemingly small ways – can have a massively positive effect.

“We’re creating a ‘living sensory garden’ – the chickens draw residents out into the garden, they provide a talking point; what’s more, our patients collect the eggs, make cakes or biscuits and talk about what they’re doing amongst themselves and to their family members providing valuable mental stimulus.

“Our new and expanded Birch Abbey will be a revolution in care services. To us it just felt right that Southport with its long tradition as a caring community should lead this revolution and the birth of a new era in care.”

Ends

Further information;

Iain Macauley

Pressrelations.co.uk

+44(0)161 929 0446

+44(0)7788 978800

im@pressrelations.co.uk www.ipersonally.co.uk